The Debt Servicing Ratio (DSR) is a key indicator of your financial health. It measures the portion of your income that goes towards repaying debt each month.
The calculator helps you visualize these ratios to ensure your student loan plan is sustainable and affordable for both you and your family.
From the Brink of Despair to a Dream Realized
David’s childhood was defined by absence. Raised by his grandparents on welfare, his father was perpetually in prison and his mother was never in the picture. Despite being bullied and working part-time since he was 15, David fought his way into law school, a first glimpse of a brighter future.
However, his father’s release from prison plunged him back into darkness. His father’s shady finances made him ineligible for student aid, forcing David into the hands of loan sharks. When his grandmother and aunt were both diagnosed with cancer, the crushing weight of medical bills and high-interest debt forced him to drop out and work full-time.
For the first time, David had a stable income, and he was tempted to abandon his “impossible” dream for a simpler life. But just as he was about to give up, he met Jeremy, the founder of SocioBridge. Moved by David’s incredible resilience, Jeremy and his organization offered a lifeline.
SocioBridge provided a loan that cleared his debts and covered his tuition. Freed from his financial burdens, David not only returned to his studies but excelled, earning an exchange spot at a prestigious UK university. Against all odds, David had turned a life of hardship into a story of triumph, proving that no dream is too big when you refuse to let it die.
I learned this firsthand when my own aspiration to study abroad was halted, not by a lack of grades or passion, but by a financial barrier I couldn’t cross. And I knew I wasn’t alone. I grew up watching brilliant friends shelve their own dreams for the exact same reason—blocked by a financial wall their families couldn’t scale. We saw that the traditional banking system, with its rigid requirements for collateral and income history, simply wasn’t built for driven students. It was built to serve those who already had wealth. This struck me as a profound injustice—a tragic waste of human potential. I became obsessed with a single question: What if we could use the engine of capitalism to fix the inequality it often creates?
SocioBridge is the answer to that question. We are a for-profit, for-purpose company. We attract investment from those who believe in both financial returns and social impact. We then deploy that capital to fund students based on a different set of criteria: their academic merit, their drive, their character, and the future potential we see in them. Our model is simple: We invest in you. When you succeed and repay your loan, that capital—along with a modest return—is then recycled to fund the next generation of students. It’s a self-sustaining cycle of opportunity. By providing you with a fair, flexible loan, we are not just giving you money; we are inviting you to become part of a movement. Your success becomes the bridge for someone else’s.
We are not a faceless lender. We are a team of mentors, advisors, and advocates. We succeed only when you succeed. This is why we are committed to being your partner throughout your educational journey and beyond. This is why we exist.
– Jeremy W., Founder